Type the price you agreed on and see the car priced three ways: what it costs out the door in cash, the monthly payment on a loan at your credit score, and the monthly payment on a lease. Your state's sales tax, trade-in credit, title, and registration are built in, and you can change any of them.
Type your own numbers and see the same car priced as cash, as a loan, and as a lease, with the taxes and state fees for Arizona. Nothing you type leaves this page.
| You pay | You own at the end | Real cost | |
|---|---|---|---|
| Lease | ... | Nothing; you hand it back | ... |
| Finance | ... | Equity of ... | ... |
| Cash | ... | A car worth about ... | ... |
An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are the average new-car APR for each credit tier (used-car APR for a used car) from Experian's State of the Automotive Finance Market, second quarter 2026, VantageScore 4.0. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.
Every calculator below runs the same math, so the numbers agree from page to page. Each page explains one part of the deal in depth.
Lease or buy? See the same car as a lease, a loan, and cash, with your state's tax rules, and what each costs you over the lease term after what you own at the end.
Work out a car's out-the-door price: the agreed price plus sales tax, title, registration, and the dealership's fee, minus your trade-in and rebates, with your state's rules.
Figure a lease payment the way leasing companies do: depreciation plus the rent charge from the money factor, plus your state's lease tax, and see what is due at signing.
See your car payment at the average APR for your credit score, with sales tax and fees included, and how the loan term changes what you pay in interest.
Car sales tax in every state and DC: the typical rate on a vehicle, whether your trade-in lowers it, and how a lease is taxed, with a calculator for your own numbers.
Start with the price you agreed on, add sales tax and the title, registration, and dealership fees, and subtract your cash down, your trade-in equity, and any rebates. That is the amount you borrow. The monthly payment is that amount times the monthly rate, divided by one minus one-plus-the-monthly-rate to the power of minus the number of months. The calculator above does it for you with your state's tax rules.
No. The calculators work entirely in your browser. Nothing you type is sent, saved, or used to check your credit.
The loan rate starts at the average new-car APR for the credit tier you pick, from Experian's State of the Automotive Finance Market for the second quarter of 2026. It is a starting point, not an offer. Change it to a rate you have been quoted.